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How to Retire on Time

Kedrec Wealth
Retirement Planning
Investment Strategies
Social Security
Financial Planning
Tax Planning
Annuities
Retirement
Financial Advice
Inflation
S&P 500
Tax Minimization
4% Rule
Investments
Medicare
IRA
Stock Market
Real Estate
Life Insurance
Taxes
Roth IRA

Welcome to How to Retire on Time, a show that answers your retirement questions. Say goodbye to the oversimplified advice you've heard hundreds of times. This show is about getting into the nitty-gritty so you can make better decisions as you prepare for retirement. Text your questions to 913-363-1234 and we'll feature them on the show. Don't forget to grab a copy of the book, How to Retire on Tim... more

PublishesDailyEpisodes436Founded2 years ago
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Artwork for How to Retire on Time

Latest Episodes

Most retirement plans aren't derailed by market crashes. They're quietly drained by five small inefficiencies most advisors never mention.

Text your questions to 913-363-1234. 

 

Request Your Wealth Analysis by going to www.retireontime.com

“Hey Mike, when does tax planning really make a noticeable difference in a retirement plan?” 

Discover how tax planning decisions can impact your income strategy and the long-term efficiency of your plan. 

Text your questions to 913-363-1234. 

 

R... more

“Hey Mike, can you retire with $250,000?”  

Discover how structuring your income, taxes, and portfolio the right way may matter more than the total amount you’ve saved. 

Text your questions to 913-363-1234. 

 

Request Your Wealth Analysis by going... more

“Hey Mike, how much should I have saved at 55 years old?” 

Discover why focusing on a number can be misleading and how your retirement plan should be built around your income goals and lifestyle instead. 

Text your questions to 913-363-1234. 

 

Re... more

Key Facts

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Recent Guests

Dr. Richard Himmer
Author of Your Encore Years; retirement psychology expert
Author, Your Encore Years
Episode: What Many People Miss When Preparing for Retirement
Tammy Reid
Optimistic, kind, and humble volunteer, involved in charity work helping those affected by domestic abuse.
Episode: Why Charity Matters (With Tammy Reid and Other Guests)
Amy Cox
Executive Director of Flourish Furniture Bank, which provides furniture and home essentials to families in need.
Flourish Furniture Bank
Episode: Why Charity Matters (With Tammy Reid and Other Guests)
Cindy McDavitt
Chair of the Kansas City Committee of Giving Machines, overseeing charitable vending machine initiatives.
Giving Machines
Episode: Why Charity Matters (With Tammy Reid and Other Guests)
David Franzen
Guest in the studio reading listener questions
Episode: Why Year-End Tax Planning Should Be More Than IRA to Roth Conversions

Host

Mike Decker
Licensed financial advisor; author of How to Retire on Time; host of multiple retirement planning programs and related resources.

Reviews

4.3 out of 5 stars from 12 ratings
  • Stay out of politics

    Mayor Mandan is not a socialist as you have said. He is a Democratic Socialist who proposes the Nordic Model. you got a bunch of very successful. Scandinavian counties that has disproven your argument.

    Apple Podcasts
    1
    Mr Natty Boh
    United States4 months ago
  • DIY soon to be retired

    This quickly became one of my favorite podcasts. The content is so useful and explained in easy to understand manner.

    Apple Podcasts
    5
    PDC2025
    United States6 months ago

Listeners Say

Key themes from listener reviews, highlighting what works and what could be improved about the show.

Solid, practical financial insights with clear explanations.
Engaging hosts that provide nuanced takes beyond headlines.
Useful, actionable retirement guidance that's easy to apply.
Mixed reviews on political discussions, but content remains informative.

Chart Rankings

How this podcast ranks in the Apple Podcasts, Spotify and YouTube charts.

Talking Points

Recent interactions between the hosts and their guests.

If You Have Less Than $1,000,000 Saved, Build Your Retirement Plan Differently
Q: If you have less than a million saved for retirement, how will that change as you prepare?
The hosts suggest that you need to adapt your strategy by managing spending, aligning income with needs, considering tax-efficient income strategies, and respecting the risks that come with lower savings, rather than assuming a single universal approach.
What to Watch for When Filing Your Taxes This Year
Q: Hey, Mike, what should I be looking for this year as I file my taxes?
The hosts discuss MAGI, line items on the 1040, and how small changes in savings or investments can affect Medicare premiums, Social Security, and overall tax outcomes, plus the value of annual review and using calculators to model scenarios.
Why Building a Retirement Plan Around Your Portfolio Is Backwards
Q: Hey, Mike, can you walk through your planning process order and why you believe it needs to be that way?
The planning order starts with lifestyle goals, then determines income needs and liquidity, and finally adds dynamic strategies that adapt to market conditions and tax laws, since products are less flexible than a well-defined plan.
How to Respond to a Chaotic Start to the Year in the Markets
Q: Hey Mike, how should we react to the already crazy start to the new year?
The guests advise not to react impulsively, stick to a tested system, and avoid chasing hot tips; focus on fundamentals, diversification across asset classes, and a balanced approach between active and passive strategies to ride through volatility.
If an Annuity Guarantees a High Payout, Why Wouldn’t You Take It?
Q: So they have an annuity that can offer them 7% or more as guaranteed lifetime income. So why wouldn't they take that?
The hosts explain that while 7% sounds attractive, you're paying for longevity insurance and trading away growth potential, tax considerations, and flexibility; the real decision depends on individual goals, time horizon, and whether the contract preserves purchasing power through inflation adjustments and guarantees that fit your needs.

Audience Metrics

Listeners, social reach, demographics and more for this podcast.

Listeners per Episode
Gender Skew
Location
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Household Income
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Frequently Asked Questions About How to Retire on Time

What is How to Retire on Time about and what kind of topics does it cover?

This show centers on practical retirement planning with a focus on nuanced financial strategies rather than generic, one-size-fits-all advice. Topics frequently cover tax strategy, Social Security, RMDs, annuities, currency risks, and diversification across asset classes, all through a retirement-first lens. A standout aspect is the emphasis on actionable steps, professional guidance, and real-world scenarios to help listeners make informed, personalized decisions about retirement readiness and income planning.

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Which podcasts are similar to How to Retire on Time?

These podcasts share a similar audience with How to Retire on Time:

1. Retirement Answer Man
2. Stay Wealthy Retirement Podcast
3. The Diary Of A CEO with Steven Bartlett
4. The Retirement and IRA Show

How many episodes of How to Retire on Time are there?

How to Retire on Time launched 2 years ago and published 436 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

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What guests have appeared on How to Retire on Time?

Recent guests on How to Retire on Time include:

1. Dr. Richard Himmer
2. Tammy Reid
3. Amy Cox
4. Cindy McDavitt
5. David Franzen

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